Manhattan Bagel, by the numbers

Every figure below comes from real financed deals — what buyers paid, where, and how the loans performed.

SBA Franchise Directory: listed ✓ (identifier S1075)

5 deals since 2020 · typical deal $350K

Deals since 2020

$350K

Typical deal

Deals since FY2025

—

Too few deals to score risk

Manhattan Bagel has 5 SBA deals on record — real financing history, but too few to score a failure rate you should trust. Underwrite the location and the FDD.

What buyers pay for Manhattan Bagel

Most Manhattan Bagel deals financed between $300K and $360K. Above $360K, you're paying more than 75% of buyers did — make the seller earn it.

Your deal size$350K

Monthly payment (10-yr): $4,871
Down payment (10%): $39K
Cash to close (all-in): $52K

Estimates at today's rates and standard 7(a) terms. Not a loan offer.

Could you get the loan?

Three answers. No documents, no credit pull.

Credit score

Available cash (you'll need ~$52K)

Experience

Recent financings

LANSDALE MB LLC in Lansdale, PA — $350K (2025) · Univest Bank and Trust Co
Program
Preferred Lenders Program
Rate at approval
10.5% variable
Term
120 mo (10 yrs)
SBA guaranteed
$263K (75%)
Approval → funding
25 days
Approved
8/15/2025
First disbursed
9/9/2025
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
25
Business age
Existing or more than 2 years old
Industry
Full-Service Restaurants
Funded by Univest Bank and Trust Co · Lender record →
Your business? Claim this record · Request removal
AJ&M Bagels, LLC in Flemington, NJ — $300K (2023) · Somerset Regal Bank
Program
Preferred Lenders Program
Rate at approval
10% variable
Term
123 months
SBA guaranteed
$225K (75%)
Approval → funding
3 days
Approved
5/23/2023
First disbursed
5/26/2023
Loan status
Paid in full (10/31/2024)
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
10
Business age
Startup, Loan Funds will Open Business
Industry
Limited-Service Restaurants
Funded by Somerset Regal Bank · Lender record →
Your business? Claim this record · Request removal
AJ&M Bagels, LLC in Hillsborough, NJ — $380K (2021) · Somerset Regal Bank
Program
Preferred Lenders Program
Rate at approval
5.25% variable
Term
123 months
SBA guaranteed
$342K (90%)
Approved
8/19/2021
Loan status
Cancelled
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
10
Business age
Startup, Loan Funds will Open Business
Industry
Limited-Service Restaurants
Funded by Somerset Regal Bank · Lender record →
Your business? Claim this record · Request removal
PDP LLC in Langhorne, PA — $360K (2021) · Firstrust Savings Bank
Program
Preferred Lenders Program
Rate at approval
4.75% variable
Term
120 mo (10 yrs)
SBA guaranteed
$324K (90%)
Approval → funding
10 days
Approved
3/1/2021
First disbursed
3/11/2021
Loan status
Paid in full (3/31/2024)
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
6
Business age
Startup, Loan Funds will Open Business
Industry
Limited-Service Restaurants
Funded by Firstrust Savings Bank · Lender record →
Your business? Claim this record · Request removal
PDP LLC in Langhorne, PA — $50K (2021) · Firstrust Savings Bank
Program
SBA Express Program
Subprogram
FA$TRK (Small Loan Express)
Rate at approval
5% variable
Term
84 mo (7 yrs)
SBA guaranteed
$38K (75%)
Approval → funding
30 days
Approved
3/1/2021
First disbursed
3/31/2021
Loan status
Paid in full (10/31/2023)
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
6
Business age
Startup, Loan Funds will Open Business
Industry
Limited-Service Restaurants
Funded by Firstrust Savings Bank · Lender record →
Your business? Claim this record · Request removal

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Who funds Manhattan Bagel — and where

Every dot is a financed Manhattan Bagel — 3 mapped.

Financed Manhattan Bagel locations — list all 3 as text

PDP LLC — Langhorne · $360K · FY2021 · Limited-Service Restaurants
PDP LLC — Langhorne · $50K · FY2021 · Limited-Service Restaurants
LANSDALE MB LLC — Lansdale · $350K · FY2025 · Full-Service Restaurants

Top lenders for this brand

Most active states

1.Pennsylvania (3 loans)
2.New Jersey (2 loans)

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Insider move

Start with the lenders above — a bank that's funded Manhattan Bagel 2 times already knows the unit economics and approves faster than one learning the brand on your file.

Who should reach out?

By submitting, I agree that CapBench may share my contact information with SBA lending partners and loan brokers (including partners who compensate CapBench), and that they and CapBench may contact me about financing by phone, email, and text — including via autodialed or prerecorded calls and messages — at the phone number and email I provide. Consent is not a condition of any purchase or service, and message and data rates may apply. CapBench is not a lender and makes no credit decision. We'll introduce you to your pick or a comparable Manhattan Bagel lending specialist.

Common questions

How much does a Manhattan Bagel cost to buy or open?

The typical deal for Manhattan Bagel is $350K across 5 transactions since 2020. With the SBA's 10% minimum down payment, that points to roughly $39K of buyer cash on a typical deal.

How risky is Manhattan Bagel?

Manhattan Bagel has 5 SBA loans on record since 2020 — too few to score a reliable failure rate. Judge the unit economics and the franchisor's disclosure document, not a small sample.

Can I finance a Manhattan Bagel with an SBA loan?

Yes — Manhattan Bagel has been SBA-financed 1 times since FY2025, which means it clears the SBA Franchise Directory requirement regularly. Confirm current listing before signing an LOI.

Buying a Manhattan Bagel franchise

Most Manhattan Bagel buyers finance the purchase or build-out with an SBA 7(a) loan — up to 90% of the cost with roughly 10% down. The typical Manhattan Bagel deal financed for $350K, which points to about $39K of buyer cash on a typical purchase. Manhattan Bagel is listed in the SBA Franchise Directory (identifier S1075), so it's eligible to finance today — confirm current listing with your lender before the LOI. See the lenders that already fund Manhattan Bagel — a bank that knows the brand approves faster — or pre-qualify for financing to see your likely loan size first.

AI summary

This profile summarizes public SBA financing activity for Manhattan Bagel — lender activity, typical loan sizes, financing history, and risk and failure signals where available — via CapBench SBA Intelligence. CapBench is not a lender.

Source: CapBench SBA Intelligence, based on public SBA, lender, franchise, FDIC, and related records. CapBench is not a lender and does not guarantee financing.

Agent summary

This page summarizes public SBA 7(a) financing for Manhattan Bagel — typical deal size, the lenders that fund the brand, geography, and failure-rate context — from CapBench SBA Intelligence. Manhattan Bagel is confirmed in the SBA Franchise Directory here; CapBench is not a lender and does not sell franchises.

5 SBA 7(a) deals since 2020
$350K typical deal
1 deals since FY2025
Too few deals to score a reliable failure rate
SBA Franchise Directory: listed (identifier S1075)
Top lenders: Firstrust Savings Bank, Somerset Regal Bank, Univest Bank and Trust Co

Next steps

Check SBA fit Find SBA lenders $9 lender report

Data freshness:: SBA records through 2026-05-31; FDIC through 2026-03-31; page updated 2026-06-17.
Sources:: Public SBA 7(a) loan records; FDIC institution data (BankFind); CapBench lender and franchise enrichment.
Canonical:: https://www.capbench.com/franchises/manhattan-bagel
API:: https://www.capbench.com/api/public/franchises/manhattan-bagel
Methodology:: Sources & methodology

Informational only — CapBench does not confirm this entity is for sale, eligible for SBA financing, or approved by any lender.
Figures come from public records and CapBench methodology; verify before relying on them.
Financing figures are historical SBA loan records, not a current offer or franchise availability. Confirm SBA Franchise Directory listing with your lender before an LOI.

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CapBench analysis of public lending records, FY2020–present. Charge-off rate measured on the FY2020–23 cohort. Not affiliated with Manhattan Bagel.